Home Loan Financial reports $2.1 million in quarterly income

Home Loan Financial Corporation, the parent company of The Home Loan Savings Bank, announced net income of $2.1 million or $1.52 basic and diluted earnings per share for the quarter ended Dec. 31, 2025, compared to net income of $1.9 million or $1.35 basic and diluted earnings per share for the quarter ended Dec. 31, 2024, an increase of $238,000.

This increase in earnings for the quarter was primarily attributable to an increase in net interest income of $643,000 and an increase in noninterest income of $195,000, partially offset by an increase in the provision for loan losses of $410,000, an increase in noninterest expense of $127,000 and an increase in federal income taxes of $63,000.

Total assets at Dec. 31, 2025, were $376 million, compared to June 30, 2025 assets of $361.2 million, an increase of $14.8 million or 4.1%. Total deposits at Dec. 31, 2025, were $304.5 million, compared to June 30, 2025 deposits of $283.1 million, an increase of $21.4 million or 7.6%. Total equity at Dec. 31, 2025, was $45.7 million, compared to $43.7 million at June 30, 2025, an increase of $2 million.

Home Loan Financial Corporation and The Home Loan Savings Bank are headquartered at 413 Main St. in Coshocton. The Home Loan Savings Bank has two offices located in Coshocton, a branch in West Lafayette, a branch in Mount Vernon and a branch in Newark.